AIA Vitality Terms and Conditions

AIA Vitality programme is administered, managed and distributed in Hong Kong & Macau by AIA Hong Kong & Macau (a member of the AIA group of companies). AIA Hong Kong & Macau shall receive ongoing support by Discovery, the global operator of the AIA Vitality programme.

 

These terms and conditions apply to the AIA Vitality programme in Hong Kong & Macau and the provision of any benefits thereunder.

 

The most up-to-date version of these terms and conditions is available on the AIA Vitality website and on our AIA Vitality portals. Alternatively, you can request a hard copy by contacting us at (852) 2232 8282 (Hong Kong customers) or 0800 315 (Macau customers)We recommend that you periodically check these terms and conditions, the AIA Vitality Terms of Use, the applicable AIAV PICS, the AIA Hong Kong & Macau Privacy Policy and the benefit guides on the AIA Vitality website. The date of the latest version of these terms and conditions can be found at the bottom of this page under the heading ‘Last Updated'.

 

You must read these terms and conditions before you apply to become a member of the AIA Vitality programme. These terms and conditions contain important information.

 

If you do not understand these terms and conditions or have any questions about these terms and conditions, please email this address hk.vitality@aia.com or call (852) 2232 8282 (Hong Kong customers) or 0800 315 (Macau customers). Our representatives will be happy to assist you and answer any question you may have.

 

By applying to become an AIA Vitality programme member, by paying the annual AIA Vitality membership fee to AIA Hong Kong & Macau or by participating in the AIA Vitality programme or by accessing any benefit or reward, you will be deemed to have:

 

Read and agreed to be bound by these terms and conditions, the AIA Vitality Terms of Use applicable to our websites, portals, online facilities, smart phone/tablet applications, tools, information, materials and contents relevant to the AIA Vitality programme and the benefit guides; consented to the collection, use (including without limitation, handling and processing) and disclosure of your personal information in accordance with the AIA Hong Kong & Macau Privacy Policy and AIAV PICS applicable to the AIA Vitality programme; and acknowledged and agreed that AIA Hong Kong & Macau may make changes to the terms and conditions, AIA Vitality Terms of Use, benefit guides, AIAV PICS, AIA Hong Kong & Macau Privacy Policy at any time and agree to be bound by these documents as amended and any other rules, regulations, policies or procedures that may be adopted, promulgated, implemented, modified or varied by AIA Hong Kong & Macau from time to time. AIA Hong Kong & Macau has the sole right to interpret, apply and disapply the terms and conditions, AIA Vitality Terms of Use, benefit guides, AIAV PICS, AIA Hong Kong & Macau Privacy Policy and any other rules, regulations, policies or procedures.

 

Once you are an AIA Vitality member, you have a choice on whether or not to access or use the benefits on offer under the AIA Vitality programme. If you choose to access or use a benefit, in addition to these terms and conditions, the AIA Vitality Terms of Use, AIAV PICS and the AIA Hong Kong & Macau Privacy Policy, you will be bound by any additional terms and conditions set out in the relevant benefit guides, as well as any other requirements which may be stipulated in writing by a partner of the AIA Vitality programme from time to time. You can obtain the full set of benefit guides if you email this address: hk.vitality@aia.com or call us at (852) 2232 8282 (Hong Kong customers) or 0800 315 (Macau customers). The benefit guides will also be available and updated on the AIA Vitality website.

It is your responsibility to keep yourself up to date in respect of AIA Vitality programme and these terms and conditions.

 

AIA Hong Kong & Macau also reserves the right to change the identity and range of partners, benefits structure / incentives / discounts / cash back (including status thresholds, benefit, and reward entitlements) and eligibility conditions at any time.

 

For example, AIA Hong Kong & Macau may, among other things:

We shall use reasonable effort to notify the AIA Vitality members of changes or variations to the AIA Vitality programme by posting details of the changes on the AIA Vitality website. Where we consider that changes to the AIA Vitality programme will be significant, we shall endeavour to provide AIA Vitality members with reasonable notice of the changes in advance. This notice may be provided electronically, including by email (sent to your last notified email address) or by posting details of the change(s) on the AIA Vitality website.

 

If you are not satisfied with any changes or variations to the AIA Vitality programme, you may terminate your membership under clause 9 (Termination of membership) of these terms and conditions.

AIA Vitality membership is granted based on the sole discretion of AIA Hong Kong & Macau and AIA Hong Kong & Macau may refuse membership to any applicant.

 

AIA Vitality membership year commences on the date that the AIA Vitality membership begins and runs for a 12-month period.The AIA Vitality membership year can start on any day of the calendar year.

 

Membership is renewed on an annual basis. For example, if your membership begins in January of this year, your membership will not be due for renewal until January of next year. Billing will be issued to you 30 days before the membership anniversary date (no billing will be issued to you if you are a member under Corporate Solutions policies).

 

You are eligible to, and may, apply for AIA Vitality membership in one of three ways:-

If you are already an existing AIA Vitality member by reason of (1) or (2) above, and you subsequently join an employer who offers AIA Vitality programme (Corporate), and activate your AIA Vitality membership, your obligation to make future payments of the annual membership fee will automatically be switched to your employer from the date of activation until the expiry of a 30 day grace period from the anniversary of the said activation. No refund for any annual membership fee will be made to you except in one situation where you activate the AIA Vitality membership offered by your employer within 30 days from your existing/individual membership anniversary date. Furthermore, your already-earned AIA Vitality Points and AIA Vitality Status level will be carried forward to your AIA Vitality membership offered by your employer.

 

If you leave your employer during the membership year, your membership will still continue until the expiry of a 30-day grace period from your next AIA Vitality membership anniversary date. If you wish to continue to enjoy the benefits of AIA Vitality membership after that date, you will have to, on or before the expiry of the said 30-day grace period from your next AIA Vitality membership anniversary date either: (a) pay us the annual membership fee if you already have an individual AIA Vitality membership by reason of (1) or (2) above prior to activating your AIA Vitality membership offered by your employer or (b) purchase an AIA Vitality Series insurance plan (with or without annual membership fee) or join another employer who offers AIA Vitality programme (Corporate) as an additional employee benefit and activate your AIA Vitality membership.

 

Your existing AIA Vitality membership anniversary date, if any, shall remain unchanged even if you have joined the AIA Vitality programme (Corporate) through your current employer or subsequently a different employer. The following examples are for illustration:

 

Example 1: AIA Vitality membership year starts from 1 January 2016 and expires on 31 December 2016. You join employer A and activate your AIA Vitality membership on 1 April 2016. Your AIA Vitality membership anniversary date shall remain 31 December 2016.

 

Example 2: You join AIA Vitality programme (Corporate) through employer A and activate your AIA Vitality membership on 1 January 2016. You resign on 1 April 2016 and later join employer B who also offers AIA Vitality programme (Corporate). You then activate AIA Vitality membership on 1 May 2016. Your AIA Vitality membership anniversary date shall remain 31 December 2016.

 

AIA Hong Kong & Macau may, in its absolute discretion, allow other methods of applying for an exclusive membership of AIA Vitality programme. Please refer to clause 10.6 of these terms and conditions for further information relating to exclusive memberships.

To qualify as an AIA Vitality member, an applicant has to meet the following requirements:-

 

The AIA Vitality member must be a living individual, and membership is not available to corporations or other legal entities. Membership is granted at the sole discretion of AIA Hong Kong & Macau. Each individual is entitled to only one AIA Vitality membership in each jurisdiction. Standalone purchase of AIA Vitality membership is not allowed.

 

AIA Vitality members will be issued a membership number and membership card*. The use of this number / card or associated benefits is deemed to be an acceptance of these terms and conditions and any other applicable rules, regulations, policies or procedures related to the benefit provided by AIA Hong Kong & Macau and their partners.

 

You will receive your AIA Vitality membership card* after AIA Hong Kong & Macau accepts your application and you have successfully activated your membership. AIA Hong Kong & Macau shall not be responsible in the event of any error in your application or your failure to receive your AIA Vitality membership card* due to the provision of incomplete or inaccurate particulars or information (including payment details) or an obsolete, incomplete or inaccurate mailing address.

 

You may need to present your AIA Vitality membership card* and/or your AIA Vitality membership number at our partners to earn points and enjoy benefits. If you fail to present your AIA Vitality membership card* at our partners when requested, you may not be able to claim such points and benefits retrospectively.

 

AIA Vitality programme membership and AIA Vitality membership card* are non-transferable and non-assignable, and will be used exclusively only by you. You will remain liable for all transactions incurred from usage of the AIA Vitality membership card* (whether authorised or otherwise), where investigations made by AIA Hong Kong & Macau reveal that you are a party to any actions regarding any transactions effected through the use of the AIA Vitality membership card.

 

You will not be entitled to dispute any transaction using your AIA Vitality membership card* or under your username and password, unless AIA Hong Kong & Macau has previously confirmed the receipt of your notification on the suspected or actual unauthorised use, loss or theft of your AIA Vitality membership card*. AIA Hong Kong & Macau is entitled, but not obliged, to rely on all instructions and transactions carried out using your AIA Vitality membership card* or under your username and password.

 

By applying for and using the AIA Vitality membership card*, you agree and undertake:

 

Your AIA Vitality membership card* is and will at all times remain AIA Hong Kong & Macau's property and will be surrendered to AIA Hong Kong & Macau immediately upon termination of your AIA Vitality membership or on our request due to a breach by you of these terms and conditions, the Terms of Use or for breach of any benefit guide the terms or conditions of any other membership documentation.

 

* IMPORTANT NOTICE: From [28 May 2018] onwards, we will no longer issue new physical membership card (whether it is a new or replacement one) to our AIA Vitality members. All our AIA Vitality members could easily access their digital AIA Vitality membership cards from the “AIA Vitality” mobile app on the mobile devices. This would allow our AIA Vitality members to carry their AIA Vitality membership cards on the mobile devices and not in their wallet.

 

Please check the compatibility of your mobile devices with the use of “AIA Vitality” mobile app. Should you experience any technical problem, please let us know and we will try our best to resolve the issue for you.

 

Save as aforesaid, other terms of use governing the AIA Vitality membership card shall remain unchanged.

6.1 Benefits of the AIA Vitality programme

 

The AIA Vitality programme is a health and wellness programme that aims to reward AIA Vitality members who are proactive about improving their health and general well-being by providing benefits which may include discounts, exclusive offers, cash back rewards and other benefits relating to goods and/or services offered by AIA Hong Kong & Macau and our partners from time to time. For more information, please refer to the AIA Vitality website.

 

Unless otherwise set out in the relevant benefit guide, only an AIA Vitality member can enjoy the benefits. Benefits may only be used for personal and not business purposes.

 

As a general rule, you will be eligible to access benefits when you activate your AIA Vitality membership card. Certain benefits may not be accessible immediately and may be subject to a processing or waiting period. The relevant benefit guide will explain when that benefit will be available and the relevant terms and conditions applicable to obtaining each benefit (e.g. certain benefits may only be available exclusively to AIA Vitality members residing in Macau). If you do not activate your AIA Vitality membership, you may not be able to access benefits. Please refer to the benefit guides on the AIA Vitality website for more information.

 

In some cases, certain benefits or partner discounts will not be applied at the point of sale. Instead these benefits or discounts may be consolidated on a periodic basis in the form of rebates. Where applicable, you will receive such rebates by electronic funds transfer or vouchers, or such other method as may be determined by us from time to time at our sole discretion and subject to applicable laws. For more information, please refer to the relevant benefit guide on the AIA Vitality website.

6.2 Additional fees for using benefits

 

Additional fees, including but not limited to, activation fees, surcharge, monthly fees and subscription fees, may be payable for the utilisation of certain benefits. The fees may be payable directly to the partner or to AIA Hong Kong & Macau. Please refer to the benefit guides on the AIA Vitality website for more information. Where possible, we will endeavour to give you advance notice of the introduction of, or increase to, any fees payable for the utilisation of certain benefits. This notice may be provided electronically, including by email (sent to your last notified email address) or by posting details of the change(s) on the AIA Vitality website.

 

If you are not satisfied with the introduction of, or increase to, any fees payable for the utilisation of certain benefits, you may terminate your membership under clause 9 (Termination of membership) of these terms and conditions.

6.3 Important information about benefits

 

Benefits are provided by our partners. These partners are separate and independent entities, and AIA Hong Kong & Macau shall not be responsible for the nature or quality of products or services provided by those partners, nor for any solicitation efforts by those partners. The products and services offered by our partners are not sold or marketed by AIA Hong Kong & Macau, and the provision of the same may also be subject to certain terms and conditions of our partners. Our partners may apply additional terms and conditions with regard to the availability and eligibility of earning AIA Vitality points.

 

AIA Hong Kong & Macau makes no representations or warranties, express or implied, of any kind with respect to any benefit, including price, availability, quantity, quality, accuracy, timeliness, usefulness, merchantability or fitness of any product or service provided as part of a benefit, including without limitation, success rate, fitness for a particular purpose and quality.

 

AIA Hong Kong & Macau will not be liable for any loss, injury, claim or damage suffered or incurred as a direct or indirect result of an AIA Vitality member's use of a product or service or reliance upon advice with respect to any benefit. AIA Hong Kong & Macau shall have no liability for partner withdrawals from the AIA Vitality programme or for award changes or cancellations caused by partner withdrawals, discontinued partner service, or award or point accrual cancellations for any reason.

 

Any dispute about any products or services provided as part of a benefit must be resolved directly with the relevant partner.

 

By joining and participating in the AIA Vitality programme, you understand and acknowledge that your name, address and certain other personal data of yours may be shared with some or all of our partners and that you may receive promotional materials, mailings or emails from AIA Hong Kong & Macau or our partners with respect to the partners' products and services. You may, however, opt out of receiving such materials by advising AIA Hong Kong & Macau. However, if you choose to opt out, you are not able to receive useful information about reward etc. under the AIA Vitality programme. For details, please refer to clause 10.3 below, AIAV PICS and AIA Hong Kong & Macau Privacy Policy.

6.4 Benefit guides and other documentation

 

A partner (alone or jointly with AIA Hong Kong & Macau) may issue a benefit guide which sets out the rules governing the use and access to a benefit. You can obtain the full set of benefit guides if you email a request to hk.vitality@aia.com or call (852) 2232 8282 (Hong Kong customers) or 0800 315 (Macau customers). The benefit guides are also available on the AIA Vitality website.

 

Representations in the benefit guides made on behalf of our partners are based upon information that AIA Hong Kong & Macau has received from them, such information having been provided to us along with assurances from our partners that it is accurate.

 

AIA Hong Kong & Macau does not assume any legal liability or responsibility for the completeness, accuracy, adequacy or currency of the contents of any benefit guide or any other advice or information provided with respect to any benefit.

 

All information in a benefit guide and other information provided with respect to any benefit is general information only and are not in any way intended to be financial, medical, nutritional, health, fitness, legal or other advice or as a substitute for such advice. Any such information is not provided to promote or influence you to acquire any product or service.

 

Benefit guides and other information provided in respect of benefits do not take into account your personal circumstances and are subject to change. You should obtain professional advice from a medical practitioner, pharmacist, dentist, nutritionist or other appropriate health professional in relation to your own personal circumstances or in relation to the diagnosis or treatment of any medical condition. If necessary, you should consult with such a professional. Importantly, the results of any benefits, devices, services, software available, assessments, health checks, consultations or tools cannot replace any advice a doctor or other health professional gives. You should not change or discontinue any assistance or treatment you may be receiving on the basis of information provided in relation to any benefits, devices, services, software available, assessments, health checks, consultations or tools accessed or used without first consulting your healthcare provider. Medicines you use for your physical or mental health may also affect the results of any benefits, devices, services, software available, assessments, health checks, consultations or tools accessed or used. You should also seek professional advice immediately should any symptoms you may be experiencing persist or change.

6.5 AIA Vitality fitness assessment

 

By taking part in the AIA Vitality fitness assessment with an AIA Vitality gym partner (and/or its franchisees) and/or by using the AIA Vitality gym partner's and/or its franchisees' services and/or facilities (Activity) you:

7.1 AIA Vitality Status

 

As a new AIA Vitality member, your default status will be Bronze. Points earned throughout your AIA Vitality membership year are added towards your status. The more points you earn, the higher the status you will achieve. The different status levels are: Bronze, Silver, Gold and Platinum. To move up a status, you will need to accumulate a sufficient number of points to reach the relevant status. The table below sets out how many points are needed for each status at the date of these terms and conditions.

As your status changes, the benefits you are entitled to and the terms relating to those benefits may change. Please refer to the benefit guides for further information.

7.2 Earning AIA Vitality Points

You will earn points for completing certain activities if you are an AIA Vitality member. Additional rules such as age and gender rules apply to some activities. Please refer to the partner benefit guides on our website for further details. The number of points you can earn will depend on a range of factors such as the activity you are doing and your health goals and risk factors. We may adjust the number of points you can earn for each activity depending on your individual health status or how important the activity is to your health status. Certain activities and/or groups/categories of activities may have limits as to how many points you can earn over a certain time period.

 

Additional terms and conditions may apply to each activity. Please refer to the relevant benefit guides for further details.

7.3 Awarding of AIA Vitality Points

 

AIA Vitality Points will be awarded to you in accordance with the terms and conditions as determined by us and the respective partner from time to time. In some cases, it may take approximately 30 days for your points to be reflected. We assume no control, responsibility or liability as to the awarding of or any delay in the awarding of points or posting of transactions into your membership account by the respective partners.

 

AIA Hong Kong & Macau and its partners may run promotions from time to time offering bonus AIA Vitality Points. Qualification for these bonus points is subject to terms and conditions of each individual promotion. Where a promotion requires pre-registration, bonus points will only be credited if members complete the registration process at our website prior to purchase or consumption of our partner's products and services.

 

AIA Hong Kong & Macau and its partners may exclude specific activities from the crediting of AIA Vitality Points with or without notice to members. In some cases, AIA Vitality Points may not be earned in conjunction with other promotions or discounts offered by AIA Hong Kong & Macau and/or its partners. You are advised to check with us and/or our partners.

 

It is your responsibility to check that all points are reflected accurately.

 

AIA Hong Kong & Macau reserves the right to audit any and all your activities to ensure compliance with these terms and conditions and other applicable rules, regulations, policies or procedures relating to the AIA Vitality programme, without notice to you. During the course of audit or investigation, we may share your account information with our partners and also third parties with whom we have contracted to assist in performing such audit or investigation. In the event that an audit reveals discrepancies or possible violations, we may delay the processing of the awarding of AIA Vitality Points, cancel any outstanding redemption, without statements or suspend your account pending completion of an audit. Upon completion of an audit, if discrepancy or violation has been determined by us, in addition to any other remedies we may have, the AIA Vitality Points may be removed from your account and/or your AIA Vitality Status may be downgraded to remedy any such discrepancy or violation with or without notice to you.

 

Any disputes in connection with or arising from the points awarded must be notified to us as soon as possible and in any event, within 30 days from the date of activity, by email at  hk.vitality@aia.com or by calling 2232 8282 (Hong Kong customers) or 0800 315 (Macau customers). We may need you to provide us with supporting documents wherever applicable to assist us in settling any disputes. If we do not receive any notifications from you within the stipulated timeframe of any disputes or inaccuracies on your points, the points statement will be taken to be correct, final and binding on you. Our decision on any such dispute shall be final and conclusive.

7.4 Monitor your AIA Vitality Points

 

You can monitor your points by logging on to the AIA Vitality website, via the AIA Vitality mobile app or by calling (852) 2232 8282 (Hong Kong customers) or 0800 315 (Macau customers).

There may be a delay for points to be loaded and / or reflected on your points statement or on any of the above platforms.

7.5 Validity and expiry of AIA Vitality Points

 

Your status will remain in place from the time you earn the relevant status until the end of the next AIA Vitality membership year unless changes are made to your membership. At the anniversary of your AIA Vitality membership, AIA Vitality members will carry over their status earned from the previous year. However, in the year after that AIA Vitality membership year, you will lose your status if you do not earn enough points to maintain it.

 

Your points will expire at the end of the AIA Vitality membership year in which the points are earned. No points will be carried over into the subsequent year. Points earned in one AIA Vitality membership year must be claimed within 30 days from the anniversary of your AIA Vitality membership. If you do not submit the points within this period, the points will not be awarded.

7.6 Transfer of rights

 

The membership of AIA Vitality programme is personal to you and will not be assigned at law or in equity. Accrued AIA Vitality Points do not constitute your property.

 

AIA Vitality Points generated under this AIA Vitality programme apply to certain qualified benefits offered by the partners in Hong Kong & Macau only. They are not transferrable to other AIA vitality schemes operated elsewhere in the world (and vice versa).

 

Except as provided otherwise in these terms and conditions or in any other documents relating to AIA Vitality programme, you cannot transfer, assign, sell, barter or pledge your points, your status, membership rights or rights to benefits or points to another person or another membership. AIA Vitality Points cannot be bequeathed or devised. Points cannot be redeemed for cash and cannot be returned for any other consideration.

 

If points, awards or benefits are purchased from an unauthorised source, such transactions are voidable and you will be liable for the full, unrestricted value of awards issued as a result of improper or fraudulent transfers and/or redemptions and otherwise in violation of the terms of the AIA Vitality programme.

7.7 Underutilisation rules

 

On some benefits you may be required to utilise and/or purchase the partner's facility, goods and/or services a specified minimum number of times or amounts. Failure to meet these minimum utilisation rules could result in your rights to the benefit being altered or terminated.

 

Please see the relevant benefit guide on the AIA Vitality website for more details.

Participation and membership in AIA Vitality programme is subject to the payment of an annual membership fee. All annual membership fee will be payable to us on or before your annual membership fee due date. Annual membership fees may be collected together with, or separately from, your AIA Hong Kong & Macau insurance policy premiums as determined by AIA Hong Kong & Macau.

 

For AIA Vitality membership offered under a Corporate Solutions policy, the membership fee will be payable by your employer and according to the payment mode of the Corporate Solutions policy, in which case we generally allow grace period of 30 days with respect to any inadvertent failure to settle the fee.

 

Where required by AIA Hong Kong & Macau and where permitted by law, you must procure that the policy owner of the AIA Vitality Series insurance plan or Corporate Solutions policy will pay the annual membership fee for the AIA Vitality membership and agree to pay the Annual membership fee to AIA Hong Kong & Macau yourself if the policy owner refuses to, or defaults on paying the annual membership fee.

 

The annual membership fee for the following year will be advised to you on initial application and prior to the annual membership fee due date. We reserve the right to vary the annual membership fee provided we notify you in advance of the new annual membership fee prior to the annual membership fee due date. If you are not satisfied with the revised fee amount, you may terminate your membership in accordance with clause 9 of these terms and conditions.

You must pay your annual membership fee on an annual or such other periodic basis and using such payment methods as may be approved by us. Each periodic payment is an instalment of the current year's annual membership fee.

 

If we do not receive payment of your annual membership fee by the end of the grace period, your AIA Vitality membership will automatically terminate. Your AIA Vitality membership, points and status will remain in force during the grace period.

9.1 Automatic termination

 

Subject to our rules and any extension that may be allowed by us, your AIA Vitality membership will automatically terminate and thereby all AIA Vitality Points accumulated by you will be cancelled:-

(1) at the end of the relevant AIA Vitality membership year if you are no longer the life insured under an AIA Vitality Series insurance plan; or

 

(2) in the case of your AIA Vitality membership under a Corporate Solutions policy:

Membership is also automatically terminated in the event of member's demise, and all AIA Vitality Points accumulated by the deceased member will be cancelled.

 

If your AIA Vitality membership is cancelled during the initial application due to the cooling off of the last underlying eligible plan, you will then be entitled to a full refund of the paid annual membership fee.

9.2 Cancellation by you

 

You may terminate your AIA Vitality membership at the end of the AIA Vitality membership year. You must provide us with 30 days' prior written notice, sent to us by email at hk.vitality@aia.com in order to terminate your AIA Vitality membership. Save as described in section 9.1 above, no full or partial refund of the paid annual membership fee shall be allowed by us in the event that you choose to terminate your AIA Vitality membership.

 

On termination of your AIA Vitality membership, you may or may not automatically terminate your existing relationship with partners, you may still be subject to the notice period of certain partners and to any other relevant terms and conditions of such partners.

9.3 Termination of the AIA Vitality programme or your membership by us

 

We reserve the right to terminate, suspend, cancel, deactivate, recall or revoke the AIA Vitality programme (in whole or in part) at any time and do not guarantee that the AIA Vitality programme will continue indefinitely or that it will be managed and owned by us.

 

We further reserve the right to terminate, suspend or deactivate your AIA Vitality membership (in whole or in part, including your access and right to utilise one or more of the benefits), your transaction(s), AIA Vitality membership card, points and/or forfeit the accumulated points, for reasons which include (but are not limited to):

In the event of termination of the AIA Vitality programme or the cancellation of membership in the AIA Vitality programme, we shall notify you in writing of such termination or cancellation by posting details on the AIA Vitality website, and/or by sending an email to the last notified email address as specified by you.

 

Subject to the terms of our agreement with relevant partners, we shall use reasonable endeavours to allow AIA Vitality members to access their benefits ordered as at the date of termination of the AIA Vitality programme for a period of 45 days from when we issue notification of the termination of the AIA Vitality programme.

9.4 If your membership terminates

 

If your membership is terminated for any reason:

10.1 General information 

 

Membership of the AIA Vitality programme does not give rise to any legal relationship with AIA Hong Kong & Macau, other than being bound by these terms and conditions and the other governing documentation referred to in clause 1 of these terms and conditions, and when entitled to do so, to receive any benefits. 

 

Nothing herein shall be construed as a representation by us that AIA Vitality programme and/or AIA Vitality membership card is/are available for use in geographic areas or jurisdictions other than Hong Kong & Macau.

 

 The AIA Vitality terms and conditions and other governing documentation (including but not limited to the AIA Vitality Terms of Use, AIAV PICS, Privacy Policy and benefit guides) and the use of the AIA Vitality membership card shall be governed by and construed in accordance with the laws of Hong Kong.

 

 If for any reason, any provision or part of the AIA Vitality terms and conditions or any provision or part of any other governing documentation is found to be void or unenforceable, such provision or part of the AIA Vitality terms and conditions or of any other governing documentation shall be deemed to be severed from the AIA Vitality terms and conditions or such other governing documentation and the remainder of such provision or of the AIA Vitality terms and conditions or such other governing documentation, as the case may be, shall remain in full force and effect and may be enforced to the fullest extent possible. 

 

Other benefit promotions, special discounts, competitions, exclusive offers etc. may be offered from time to time, including from us, our partners or affiliates. If they are offered, other terms and conditions may apply, which may be notified by mail, email, SMS, the AIA Vitality website or the AIA Hong Kong & Macau website www.aia.com.hk or other facility.

10.2 How we communicate with you and consent to electronic communication

 

You consent to receive documents and other information in relation to your AIA Vitality membership and any other arrangements you have with us by electronic communication to the most recent email address we have for you in our records and authorise us to act on instructions received electronically. You also consent to us communicating electronically the fact that some information can be obtained by following a hyper-link or by accessing an electronic address set out in the communication. You acknowledge that these consents and authority have effect to the maximum extent that we are permitted by law to act and provide information to you in accordance with these consents and authority.

 

We shall be entitled from time to time to contact you via electronic transmission (e.g. email), mail, SMS, MMS, telephone, fax and other means of communication (via any of your telephone numbers, whether registered in Hong Kong & Macau or otherwise) in respect of your membership and participation in the programme. You acknowledge that hard copy documents and information may not be given and that electronic communications must be regularly checked. Notwithstanding these consents, we may still decide to send you hard copy documents and information in certain circumstances.

 

Any notice or other information to be given to you may be given by updates to the AIA Vitality website, portals, online facilities, electronic transmission (e.g. email), mail, SMS, MMS, telephone, fax and other means of communication (by any of your telephone numbers, whether registered in Hong Kong & Macau or otherwise), at the address as may from time to time be notified in writing.

 

We shall use reasonable endeavours to transmit statements, notices and other material relevant to AIA Vitality members to advise you of various matters of interest, including changes to the programme, but we shall not be responsible for correspondence lost or destroyed. Any statement, notice or other material shall be deemed to have been given by us if it is uploaded to the AIA Vitality website or if it is sent to the email or physical mail address last notified to us by the AIA Vitality member for the AIA Vitality programme. You are responsible for advising us of any change in your contact details, including email and physical mail address, and ensuring that your email address remains current and unblocked and that communications from us are not filtered or placed in a location where you do not see them so that we can provide documents and other information to you. AIA Hong Kong & Macau shall not be liable for failure to deliver a notice to you where you have failed to comply with the foregoing.

10.3 Disclosure of information

 

By way of summary, we collect personal and sensitive information in a range of circumstances, including on registration, when you contact us, make an enquiry or use or request our products or services or the products or services of our partners. The types of personal and sensitive information we collect includes (amongst other things) your name and contact details, identifying information (e.g. date of birth), demographic and profile information (sex, age, etc.) and health and medical-related information. We also collect personal information about your interactions with us, including any contact we have with you by telephone, email or online. You hereby agree that any information provided by you for use in relation to the AIA Vitality programme is on a voluntary basis for your membership and participation in the AIA Vitality programme.

 

Your subscription of AIA Vitality membership and certain related information will have to be disclosed by us to those persons who have insurable interest in your life and intend to take out (or have already taken out) a life or medical insurance policy with us on your life (i.e. applicants or policy owners). The servicing agents of these insurance policies under which you are named as the life insured will also have access to the said information in order to provide proper advice and service to the applicants and policy owners with respect to the availability of integrated products.

 

AIA Hong Kong & Macau (and for the avoidance of doubt, its related bodies, corporate, and affiliates) may also use and disclose your personal information to provide marketing communications that may be of interest to you, including without limitation, about new AIA Vitality products and services as well as partner products and services, changes in your membership fees or any changes/enhancements to the benefits. Communications may be provided on an ongoing basis by telephone, electronic messages (e.g. email and pop-ups), online (including websites and mobile apps) and other means. Before using your personal data for the marketing purposes, we must obtain your consent, and only after having obtained such consent may we use and/or provide your personal data for any promotional or marketing purpose. If you do not wish to receive direct marketing communications please indicate this where prompted (e.g. on the application form, by following unsubscribe instructions in the communications themselves or by contacting us on (852) 2232 8282 (Hong Kong customers) or 0800 315 (Macau customers)). Please refer to the AIAV PICS and AIA Hong Kong & Macau Privacy Policy for more information.

 

Any health or medical-related personal information you provide as part of your AIA Vitality membership will not be provided to the underwriting or claims departments of AIA Hong Kong & Macau and therefore will not be used in the making of any future underwriting or claims decisions.

 

If you are an AIA Vitality member under a Corporate Solutions policy, your individual health or medical related personal information will not be provided to your employer. Any information provided to your employer will be, as far as possible, in an aggregate format. Under no circumstances shall AIA Hong Kong & Macau be deemed to have knowledge of any AIA Vitality programme related information in respect of its underwriting and claims functions. In accordance with your duty of disclosure, you are still therefore obliged to disclose any of this information to the extent it may be relevant in the event of any future application for insurance cover, changes to existing insurance cover or claims under an insurance policy with AIA Hong Kong & Macau.

10.4 Dishonesty/fraud/misrepresentation/abuse of AIA Vitality programme privilege

 

Your membership of and participation in the AIA Vitality programme is based on mutual trust. Where dishonesty or fraud or misrepresentation or abuse of AIA Vitality programme privilege is detected, benefits may not be awarded, your AIA Vitality membership may be cancelled and the matter may be referred to the appropriate authorities. This AIA Vitality membership may become invalid and we may take other action consistent with our legal rights.

 

If any act or omission by you is dishonest or fraudulent or constitutes an abuse of the AIA Vitality programme privilege, or if any dishonest or fraudulent or improper means or devices are used by you, any member of your household or anyone acting on your or their behalf in relation to the AIA Vitality programme, then all benefits under this programme may be lost or forfeited, your AIA Vitality membership may also be cancelled and you may have to return to us any payments made by us and benefits provided by us, or any of our partners (or by any other party under our direction) as a result of your actions or the actions of any member of your household or anyone acting on your or their behalf as a result of any dishonest or fraudulent actions.

10.5 Exclusion of liabilities

 

Under no circumstances, including as a result of its negligent acts or omissions or those of its officers, employees, directors, agents, advisers, contractors, partners or other persons for whom in law it may be liable, shall AIA Hong Kong & Macau be liable for any loss or damage of any nature which you, your beneficiaries or any third parties may sustain as a result of engagement in the AIA Vitality programme. By agreeing to these terms and conditions you, your beneficiaries and any third parties indemnify AIA Hong Kong & Macau accordingly.

 

All liability of AIA Hong Kong & Macau and/or partners and their respective officers, employees, directors, agents, advisers and/or contractors for any loss, damage, claim or expense (including but not limited to indirect, incidental, special, punitive or consequential liability, economic loss, loss of profits and loss of opportunity) you may incur or suffer that arises directly or indirectly out of these terms and conditions, any other governing documentation as set out in clause 1 of these terms and conditions or the AIA Vitality programme (regardless of whether we have any control over circumstances giving rise to the claim or not) including termination or suspension of your AIA Vitality membership, termination of the AIA Vitality programme and/or termination of any partner benefit, is hereby excluded to the maximum extent permitted by law. To the extent permitted by law, this applies even if we have been informed that the liability, loss, damage or expense will or may result. AIA Hong Kong & Macau and/or partners and their respective officers, employees, directors, agents, advisers and/or contractors disclaim all warranties, express or implied, in connection with the AIA Vitality programme and the benefits. If AIA Hong Kong & Macau and/or partners are liable to you in any way, our liability shall be limited to allocating to your AIA Vitality membership the number of points and/or status which we consider is appropriate in connection with which the relevant claim arose.

 

To the fullest extent permitted by law, AIA Hong Kong & Macau disclaims all express or implied warranties including, but not limited to, warranties of availability, price, satisfactory quality, merchantability and fitness for a particular purpose. AIA Hong Kong & Macau shall not be liable for any damage or loss of any kind directly or indirectly arising from or in connection with the AIA Vitality programme, any information, software, products, services, benefits or content obtained through the AIA Vitality programme, or your dealings with our partners and third party service providers available through the AIA Vitality programme.

 

AIA Hong Kong & Macau shall not be liable for any disruption to the Vitality programme or any delay to or inability to provide any of the benefits caused by circumstances beyond the control of AIA Hong Kong & Macau including, but not limited to, failure of any service provider or other third party, merchant closure, strikes or industrial disputes, acts of God, flood, weather, natural disaster, unavailability, war, hostilities (whether war be declared or not) terrorism, rebellion, revolution, insurrection, military or usurped power or confiscation or civil disturbance.

 

Any third party links (including those of partners) provided by us on any of our websites, communication channels and social media are provided for your convenience. Their inclusion does not imply any approval or endorsement by us. We have no control over the content of those sites and accept no responsibility or liability in respect of them.

 

You must evaluate and bear all risks associated with the use of the content downloaded and acquired through our/third party (including partner) websites. We shall not be liable for any damage or loss of any kind directly or indirectly arising from or in connection with your use or inability to access our website /third party (including partner) links and/or use any related documents. Please note that the material (including, without limitation, workout and exercise tips, and information contained in applications and video clips), provided on any of our websites, communication channels and social media, including all text, photographs, images, illustrations, graphics, audio, video and audio-video clips, is provided by way of general information only. Whilst we, (including our holding company, subsidiaries and/or the subsidiaries of our holding company and any joint venture partners or affiliates), endeavour to ensure that the contents of the material are accurate, errors or omissions may occur and we do not accept any liability in respect of them.

 

We recommend that you consult with your physician before you undertake to follow any health and fitness recommendation you may receive from AIA Vitality programme, our websites, communication channels and social media. We are not a licensed medical provider and have no expertise in diagnosing, examining, or treating medical conditions of any kind, or in determining the effect of any specific exercise on a medical condition. AIA Vitality programme does not provide any medical advice or treatment. AIA Vitality programme is not intended to be a substitute for professional medical advice, diagnosis, treatment or management of care following an assessment in the event of abnormal health screen results. No recommendation is intended to be to be instructional for medical diagnosis or treatment. Should you have any health related questions, please call or see your healthcare provider or doctor promptly. In the event of an emergency, call your healthcare provider or doctor immediately.

 

You expressly agree that your athletic activities carry certain inherent and significant risks of property damage, bodily injury or death and that you voluntarily assume all known and unknown risks associated with these activities even if caused in whole or part by the action, inaction or negligence of us or by the action, inaction or negligence of others (including partners). You also expressly agree that we do not assume responsibility for the inspection, supervision, preparation, or conduct of any race, contest, group athletic activity or event that may earn you points.

 

If you ever start to feel unwell or have discomfort at any time after trying the workout or exercise, stop immediately and seek further advice from your healthcare professionals. Do not disregard, avoid or delay obtaining medical or health related advice from your healthcare professional because of what you may have read on any of our website, communication channels and social media. Current health and fitness research may exist that could impact the information provided by us; information provided may not be based on the most recent findings or developments. We shall not be held responsible for any injuries and/or damages that may result from your participation in or engagement of the workout or exercise or any health and wellness programme, of which the information has been provided to or shared with you on any of our websites, communication channels and social media.

 

We do not accept any liability with respect to death, injury or any consequential damage or loss arising from or in connection with the AIA Vitality programme generally or from the supply of a benefit or service or from the loss, theft or destruction of a benefit (including, but not limited to vouchers).

 

You may incur a tax liability or disclosure obligation through joining or use of AIA Vitality programme. You should obtain your own financial or tax advice regarding any benefit you may receive through AIA Vitality programme. AIA Hong Kong & Macau is not liable for any financial or tax consequences that may arise. AIA Hong Kong & Macau reserves the right to provide any tax authorities with full details of any member's accrual and redemption of benefits, upon request of a tax authority. AIA Hong Kong & Macau excludes all liability for cooperating with tax authorities in this matter.

 

This serves to clarify that AIA Vitality is a science-backed incentivised wellness programme and not an insurance product that falls under the jurisdiction of the insurance regulation. Depending on the circumstances of the case, any customers' complaints and/or queries arising from AIA Vitality programme will be dealt with separately from other conduct associated with selling insurance products.

 

Please also refer to the AIA Vitality Terms of Use, AIAV PICS, AIA Hong Kong & Macau Privacy Policy and other governing documentation set out in clause 1 of these terms and conditions.

10.6 Exclusive memberships

 

From time to time and in our sole and absolute discretion, we may select individuals and offer exclusive memberships to them for AIA Vitality programme. In such circumstances the individual will be deemed to satisfy the eligibility criteria in these terms and conditions and other additional eligibility criteria as may be determined by us for the exclusive membership offer at our sole and absolute discretion. We may at our sole and absolute discretion waive the annual membership fee, the requirement to be insured under an eligible AIA Hong Kong & Macau insurance policy, or other requirements of AIA Vitality membership. Whether a selected individual is offered an exclusive membership and the eligibility and rules applicable to such exclusive membership are in the absolute discretion of AIA Hong Kong & Macau.

 

These terms and conditions apply to such exclusive memberships, except where the terms and conditions are inconsistent with this clause 10.6, in which case this clause 10.6 will prevail to the extent of any inconsistency. If an exclusive membership is offered, other terms and conditions may apply, which may be notified by the AIA Vitality website, mail, email, SMS or such other facility as AIA Hong Kong & Macau determines in its sole and absolute discretion. We reserve the right to terminate, suspend, cancel, deactivate, recall or revoke an exclusive membership offered at any time.

 

Where a selected individual has an exclusive membership with AIA Hong Kong & Macau, AIA Hong Kong & Macau may, in its absolute discretion, determine if the selected individuals are eligible for discounts to their premium or any cash back which may otherwise be available under the AIA Vitality programme. However, an individual being granted an exclusive membership may choose to cease having the exclusive membership status, and apply for a paying AIA Vitality membership, and in which case, if accepted, that individual would be eligible to enjoy any discounts or cash back which may normally be available to other ordinary paying AIA Vitality members.

 

Without in any way limiting the termination rights of AIA Hong Kong & Macau or other rights contained in these terms and conditions or rights under rules, regulations, polices, procedures and other documentations relating to AIA Vitality programme, where a selected agent or a selected personnel of our business partner has been granted an exclusive membership, the exclusive membership may, in the absolute discretion of AIA Hong Kong & Macau be terminated on the occurrence of the earliest of one of the following applicable events: cessation of business; revocation of requisite license to distribute insurance products; cessation to be the agent or business partner (as the case may be) to distribute AIA Hong Kong & Macau insurance policies; retirement; death. AIA Hong Kong & Macau reserves the right, and retains the sole discretion, to terminate or suspend the exclusive membership at any time without the need to provide reasons.

 

Other terms and conditions shall continue to apply to exclusive memberships and other rules, policies or procedures applicable to exclusive memberships may be adopted, implemented, amended or varied by us from time to time.

10.7 Third party rights 

 

These terms and conditions, benefit guides and other documentations issued by us relating to AIA Vitality programme are not intended to, and do not give any person who is not our member any right to enforce any of the provisions.

10.8 Severance 

 

If any provision of these terms and conditions is prohibited by law or judged by a court or tribunal to be unlawful, void or unenforceable, the provision shall, to the extent required, be severed from these terms and conditions and rendered ineffective as far as possible without modifying the remaining provisions, and shall not in any way affect any other circumstances of or the validity or enforcement of these terms and conditions.

10.9 Waiver 

 

No failure or delay by AIA Hong Kong & Macau in exercising any or enforcing any right, power or privilege shall impair the same or operate as a waiver of the same nor shall any single or partial exercise of any right, power or privilege preclude any further exercise of the same or the exercise of any other right, power or privilege.

10.10 Law and jurisdiction 

 

These terms and conditions and the relationship between you and AIA Hong Kong & Macau are governed by Hong Kong laws. By joining the AIA Vitality programme, you agree to submit to the exclusive jurisdiction of the Hong Kong courts.

 

If this English version of the terms and conditions do not conform to the other language version, or there is any conflict in meaning between the English version and any version or translation in other language, the English version shall prevail. In the event of dispute, AIA Hong Kong & Macau reserves the right to final decision.

In the terms and conditions, unless the context otherwise requires, the headings are inserted for convenience only and shall not affect the construction of these terms and conditions.

 

The following expressions have the following meanings:

Last updated: July 2019